Over half of the U.S. population receives health insurance through an employer, with employer premium contributions … the labor market to explore how this uniquely American approach to financing health insurance contributes to labor market … inequality. We consider a partial-equilibrium counterfactual in which employer-provided health insurance is instead financed by a …

Incomplete health insurance enrollment is a persistent U.S. challenge despite large subsidies. We ask whether hassles … built into enrollment systems matter for insurance take-up and targeting. Studying removal of an auto-enrollment policy, we … people - groups with both low value and costs of insurance. We show that this value-cost correlation - a standard feature of …

We examine how health insurance expansions affect the entry and location decisions of health care clinics. Exploiting … county-level changes in insurance coverage following the Affordable Care Act and 1,721 retail clinic entries and exits, we … find that local increases in insurance coverage do not lead to growth in the concentration of clinics on average using two …

Social Security Disability Insurance (SSDI) take-up among people with disabilities living in Medicaid expansion states …Public disability programs provide financial support to 12 million working-age individuals per year, though not all … find that Medicaid expansion reduced the probability that disabled respondents had employer-sponsored health insurance by …

We analyze the value of insurance when individuals have access to credit markets. Loans allow consumers to smooth … financial shocks over time, decreasing the value of consumption smoothing from insurance. We derive formulas for the value of … insurance that can be taken to data, and show how that value depends on individual characteristics and features of loans. We …

This chapter provides an overview of the German long-term care insurance. We document care needs and wellbeing of the … expenditures are out-of-pocket payment. Most of the expenditures are covered by the long-term care insurance. The share of other …

We study a fundamental reform of the public Disability Insurance (DI) system in Germany. Effective 2001, cohorts born … rules require work disability in any job. Using administrative data, we first show that the reform significantly reduced the … lifecycle work disability risk, (2) strong and positive income and health gradients in private ODI take-up, and (3) inversely …

We study the impact of losing health insurance on criminal activity by leveraging one of the most substantial Medicaid … this mass insurance loss increased total crime rates with particularly strong effects for non-violent crime. We test for …

trial that randomized premiums and subsidies for India's first national, public hospital insurance program, RSBY. We find … roughly 60% uptake even when consumers were charged premiums equal to the government's cost for insurance. We also find … substantial adverse selection into insurance at positive prices. Insurance enrollment increases insurance utilization, partly due …